Money is not what matters and hasn't mattered for a long time. What matters is access to capital, governed by statistics such as credit score, which itself is affected by your mental faculty and ability to hold down a job (i.e. follow instructions, assuming you have job opportunities which are abundant in any U.S. city compared to the third world).
>According to a 2015 assessment by the U.S. Department of Housing and Urban Development, 564,708 people were homeless on a given night in the United States. At a minimum, 140,000 or 25 percent of these people were seriously mentally ill, and 250,000 or 45 percent had any mental illness.[1]
The homeless problem is a mental health problem. Sure, people can fall into hardship and get e.g. their houses foreclosed on and go bankrupt - but those same people generally are back on their feet a year or two later. Basically everyone who does not suffer from severe mental illness has the capability to raise enough capital on a monthly basis to put a roof over their heads. Now, they may have to work hard, and perhaps unreasonably hard in a sadly large amount of cases, but they can still do it and still do do it given that 99% of the country is not homeless.
[1] https://www.bbrfoundation.org/blog/homelessness-and-mental-i...